Call reports 2009
ACNB BANK — 2009
What ACNB BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 947,053,000 | 946,213,000 | 952,152,000 | 946,510,000 |
| Total loans | 648,616,000 | 655,380,000 | 642,339,000 | 646,694,000 |
| Allowance for loan losses | 8,635,000 | 9,860,000 | 10,994,000 | 11,981,000 |
| Securities available for sale | 221,161,000 | 211,143,000 | 213,613,000 | 209,270,000 |
| Securities held to maturity | 0 | 10,064,000 | 10,060,000 | 10,057,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 711,874,000 | 727,237,000 | 717,362,000 | 729,810,000 |
| Interest-bearing deposits | 660,144,000 | 674,311,000 | 667,998,000 | 676,633,000 |
| Noninterest-bearing deposits | 51,730,000 | 52,926,000 | 49,364,000 | 53,177,000 |
| Equity capital | 73,936,000 | 73,421,000 | 77,075,000 | 76,086,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 11,746,000 | 23,203,000 | 34,691,000 | 45,836,000 |
| Interest expense | 3,786,000 | 7,204,000 | 10,434,000 | 13,298,000 |
| Net interest income | 7,960,000 | 15,999,000 | 24,257,000 | 32,538,000 |
| Noninterest income | 1,568,000 | 3,277,000 | 5,086,000 | 6,719,000 |
| Noninterest expense | 6,056,000 | 13,123,000 | 19,345,000 | 25,883,000 |
| Provision for loan losses | 1,125,000 | 2,350,000 | 3,550,000 | 4,750,000 |
| Pretax income | 2,356,000 | 3,806,000 | 6,465,000 | 8,641,000 |
| Income tax | 581,000 | 847,000 | 1,507,000 | 2,018,000 |
| Net income | 1,775,000 | 2,959,000 | 4,958,000 | 6,623,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,959,000 | 75,015,000 | 75,888,000 | 76,426,000 |
| Total capital | 82,941,000 | 83,079,000 | 83,865,000 | 84,537,000 |
| Risk-weighted assets | 637,940,000 | 643,323,000 | 635,105,000 | 644,989,000 |